Book excerpt: When Jeff Savage was in his teens he developed habits that propelled him to financial independence. These simple and logical habits came from his life experience--not from the classroom. Millionaire by 40 reveals the ideas he embraced and it provides a path that will lead to great wealth and personal fufillment. He offers insight on a college education, saving money on living expenses, personal appearance, business etiquette, selecting a career, and marriage. If you don't want to be forever tied to a job where your only freedom is a few vacation weeks a year, start reading and applying these 100 secrets today.